VA funding fee.

Select a fee status confirmed by your lender. Check your Certificate of Eligibility (COE) for each borrower using entitlement. VA lists exemptions for certain Veterans receiving or entitled to receive service-connected disability compensation, surviving spouses receiving Dependency and Indemnity Compensation, and qualifying active-duty borrowers with a pre-closing proposed or memorandum disability rating or qualifying Purple Heart evidence.

For a purchase or cash-out refinance, prior use solely for a qualifying manufactured-home purchase can still qualify for the first-use fee. If VA exemption status is unresolved at closing, the lender generally collects the non-exempt fee. Select “Non-exempt” to estimate that case. If compensation is awarded after closing, refund eligibility can depend on the effective date of the award. VA fee rates, exemptions, and refunds. VA exemption verification and refund procedures.

For a married couple with one entitlement holder on the loan, the fee applies to the entire base loan using that holder’s status and rate. When both spouses use entitlement, or when a non-spouse joins a VA-backed purchase, construction loan, or cash-out refinance, the joint-loan rule assigns an equal share to each borrower for fee calculation. An exempt borrower or a borrower with no entitlement used owes no fee on their joint share. VA Lenders Handbook, Chapter 7, Topic 1 · KnowVA Article 554400000314675.

This tool estimates single-purchaser assumptions and straightforward IRRRL, NADL, and manufactured-home fee cases. For multiple assuming borrowers, changes to borrowers on a refinance, mixed spouse/non-spouse arrangements, or specialized programs such as Vendee financing, ask your lender, servicer, or VA to confirm how the fee applies. VA funding fee calculations use the loan amount before adding the fee. A covered assumption uses the outstanding principal at transfer and requires payment outside the assumed loan. VA Lenders Handbook, Chapter 5.

Funding fee figures are separate from closing costs, guaranty, and available entitlement. Have your lender confirm the base loan amount, eligibility, approved financing, and any seller or builder credit. VA Lenders Handbook, Chapter 3.